Almost every
Filipino neighborhood has one. A sari-sari store tucked beside a family home. A
small storefront where neighbors stop to buy everyday essentials, catch up with
one another, or quickly pay for load before heading home. For decades, these
community businesses have quietly become part of daily life across the
Philippines, built through trust, consistency, and relationships formed one
customer at a time.
(L-R): Nemia Rontal and Wilma Manalastas
Today, many of
these small businesses are evolving together with the communities they serve. Some
now offer bills payment, cash-in and cash-out services, and mobile load in
addition to traditional store items. Others have expanded into online selling,
using digital tools to help manage transactions and support growing negosyo
needs.
For
entrepreneurs like Nemia Rontal in Bocaue, Bulacan and Wilma Manalastas,
adapting to these changes became part of growing their negosyo while creating
more stability for their families through Maya Business.
Before becoming
one of the trusted Maya Business agents in their subdivision, 39-year-old Nemia
spent nearly two decades working in corporate as an Accounting Supervisor. But
after experiencing health challenges that forced her to stop working full-time,
she began focusing more seriously on the small sari-sari store she had started
years earlier outside their home.
At the time, the
setup was simple: two sacks of rice displayed in front of the house. “Nagsimula
kami na para pandagdag lang sana noon” (We started it simply as a way to earn extra
income), she shares.
Even then, Nemia
already had an interest in financial systems and business transactions. Curious
about digital financial services and looking for ways to expand what her store
could offer, she attended a Maya seminar in Guiguinto back in 2018 and applied
to become a Maya Business partner.
Over time,
Nemia’s store evolved into more than just a place to buy essentials.
Customers began
stopping by not only for rice or groceries, but also for bills payment, cash-in
services, and mobile load. During the pandemic especially, digital transactions
became more common within their community as more people looked for accessible
financial services closer to home.
“Unti-unti
siyang naging regular na serbisyo para sa mga tao rito” (Over time, it became a
regular service people in the community relied on), she says.
As transactions
became more consistent, access to additional puhunan also became important for
keeping the negosyo running steadily. Through Maya Advance, Maya
Business’ in-app financing feature that allows eligible businesses to access
collateral-free revolving funds directly through the app, Nemia was able to
secure additional capital for inventory, daily operations, and household
expenses whenever needed.
Her first
approved amount started at around ₱18,000. Over time, after consistently
growing her transactions, her loan limit eventually increased to more than
₱200,000.
For Nemia, the
convenience mattered just as much as the financial support itself. “Kapag fully
paid na, mabilis lang ulit magamit” (Once it’s fully paid, we can easily access
it again) she says. “Malaking tulong siya lalo na kapag kailangang magdagdag
agad ng paninda” (It really helps whenever we need additional capital for
inventory).
Today, her store
has helped support their family through years of change. From improving their
home to purchasing a vehicle and continuously supporting her children’s
education, the business gradually became a source of stability after leaving
corporate work behind.
But success, in
Nemia’s case, still looks grounded in everyday routines.
It looks like
preparing the store early in the morning before customers arrive. It looks like
balancing negosyo operations with household responsibilities. It looks
like assisting neighbors with transactions throughout the day.
For Wilma
Manalastas on the other hand, her business evolved differently, but with the
same mindset of adapting little by little.
What started as
a simple sari-sari store eventually expanded into online selling, with Wilma
offering gadgets, cellphones, clothes, and other trending products through
digital platforms.
Over time, her
business became an important added source of income alongside her husband’s
work.
Like many
Filipinos who entered online selling organically, Wilma learned through
experience: balancing multiple sidelines, managing inventory, and handling busy
transactions while gradually adapting to more digital systems.
“As the negosyo
grew, syempre kailangan din ng pandagdag puhunan” (As the negosyo grew, we
eventually needed additional capital to keep up as well), she says.
Before using
Maya Business, Wilma often relied on credit cards whenever she needed extra
funds for restocking products or supporting busy selling periods. Eventually,
she became one of the early Maya Business users and later discovered Maya
Advance, which allowed her to access additional revolving funds directly
through the app without lengthy paperwork and approval processes.
For Wilma, the
accessibility and convenience became especially helpful in supporting both her
physical store and online negosyo operations.
Today, years
after starting with a sari-sari store, Wilma says her business has helped their
family achieve milestones they once only planned for gradually, including
purchasing a condominium unit and a vehicle.
But more than
the bigger purchases, she says the business gave them more financial stability
and flexibility while helping support their long-term family goals.
Across the
Philippines, sari-sari stores have long been part of everyday community life: places
built on familiarity, convenience, and trust. But as customer habits continue
to evolve, many small business owners are also finding practical ways to adapt
alongside them.
Through Maya
Business, entrepreneurs can access digital tools that help support everyday
negosyo needs, from accepting QR Ph payments from different e-wallets and banks
to offering bills payment, mobile load, and cash-in and cash-out services, as
well as accessing additional revolving capital through Maya Advance. Maya
Business also allows merchants to manage business funds through a digital
deposit account designed for everyday business transactions.
For many
Filipino entrepreneurs, growth doesn’t always happen all at once. Sometimes, it
starts with a small store, a loyal community of customers, and the willingness
to keep building steadily one day at a time.
Looking to level
up your business with digital tools and services? You can apply to become a
Maya Center and download the Maya Negosyo app on Google Play to get started.
Visit maya.ph or mayabank.ph,
and follow @mayaiseverything on
Facebook, Instagram, YouTube, and TikTok to stay updated. Maya Philippines, Inc. and Maya Bank, Inc. are
regulated by the Bangko Sentral ng Pilipinas. www.bsp.gov.ph. For 24/7 assistance, visit the Help Center in
the Maya app or call us from 8 AM to 7 PM daily at +632 8845-7788.
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